The AU Bank LIT Credit Card is an all-purpose financial tool designed to keep up with the dynamic needs of modern users. This credit card is uniquely innovative, packed with a slew of benefits making it a goldmine for one seeking convenience, rewards, and flexibility. Designed to provide a smooth banking experience to the user, the card boasts benefits that supersede the common credit card use.
One of the primary attractions for this card is that it offers a customizable rewards program, whereby the cardholder can select the reward categories that best match their spending behavior. Whether it’s dining out, shopping online, or filling up your car at the gas station, this card ensures that you earn rewards that matter to you. Another cashback feature is offered with the AU Bank LIT Credit Card, and frequent users would love this offer.
Another major advantage is the low interest rate on outstanding balances, allowing cardholders to manage their finances better. To those who frequently travel, it provides access to airport lounges, travel insurance, and many other travel benefits that make a journey more comfortable and hassle-free. The card also offers the most robust security features, including instant transaction alerts and zero liability on lost card reports, thus providing peace of mind for its users.
What is the AU Bank LIT Credit Card?
The AU Bank LIT credit card is a specialty credit card the bank offers you with many wonderful features to make spending more rewarding and convenient. In this card, you have been given more choices over how to earn rewards so that you can set up categories wherever you want- dining, shopping, or traveling based on what you spend.
It also offers facilities such as cashback, offers, and entry to airport lounges, which makes it so ideal for being used on both a daily and occasional basis. Security features like every transaction alert facility and no liability, if your card is lost/stolen and reported, can be found within the card too.
How is the design of the AU Bank LIT Credit Card?
The sleek and modern designs of the AU Bank LIT Credit Card give it an attractive look and easy usability. The card comes with a fashionable look as well as a clean layout giving it a feel that is premium in nature. It often comes with a smart combination of colors that tend to make it stand out in your wallet.
The card comes with practical features: clear showing of relevant information such as your name and card number is displayed; a chip for safety in transactions and a contactless payment feature are included. Simply tap the card on a reader for easy and quick payments; the design in this way is both safe and convenient, aesthetically blending function and form.
What are the benefits of the AU Bank LIT Credit Card?
Here are the key benefits in terms of earning reward points
- Reward Point: For every purchase you make on this site concerning exciting gifts, travel, or shopping vouchers. On retail transactions, you can earn 1 reward point for every ₹100 spent.
- Bonus Reward Points: The card gives bonus reward points for spending in certain categories such as dining, shopping, or traveling. For instance, you will earn more points when you shop online or dine at partner restaurants.
- Cashback: You can get cashback on certain categories such as fuel, groceries, and bill payments. This makes it a good card for daily spending.
- Airport Lounge Access: The card provides free access to select airport lounges, which makes your travel experience much more comfortable and relaxing.
- Low-Interest Rate: If you carry a balance, the AU Bank LIT Credit Card offers a lower interest rate, helping you manage your finances better.
- Zero Liability on Lost Card: In case your card is lost or stolen, you are not liable for any unauthorized transactions if you report it immediately.
- Exclusive Offers: It comes with special discounts and offers from a variety of brands, saving money on shopping and dining.
- Contactless Payment: Payment is fast and secure using this card. You simply tap the card on the payment terminal, saving much time consumed in transactions.
What are the fees for the AU Bank LIT Credit Card?
Here is a simple breakup of the AU Bank LIT Credit Card fees.
Joining Fee | No Joining Fee |
Annual Fee | No Annual Fee |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.49% per month (41% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2% of the amount withdrawn or ₹100, whichever is higher. |
Late Payment Fee | For Statement Balance Less than or equal to INR 100 – NilAbove INR 100 and up to INR 500 – INR 100Above INR 500 and up to INR 5,000 – INR 500Above INR 5,000 and up to INR 10,000 – INR 700Above INR 10,000 and up to INR 20,000 – INR 800 |
What are the criteria for getting an AU Bank LIT Credit Card?
The following are the primary requirements:
- To apply for the AU Bank LIT Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What are the necessary documents required to get an AU Bank LIT Credit Card?
The documents that you will have to submit to get an AU Bank LIT Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Utility bills like electricity, water, ancient agreement, Bank statement, or passbook with your address |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the AU Bank LIT Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your AU Bank LIT Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The AU Bank LIT Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the AU Bank LIT Credit Card?
The credit amount you can spend is what you are provided with an AU Bank LIT Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an AU Bank LIT Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU Bank LIT Credit Card.
- Just hover your cursor on AU Bank LIT Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest AU Bank branch to apply for the AU Bank LIT Credit Card.
- Request for the credit card application form of the AU Bank LIT Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Will it be right to get an AU Bank LIT Credit Card in 2025?
Yes, getting an AU Bank LIT Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
One versatile and rewarding financial tool that is most available, the AU Bank LIT Credit Card offers the most benefits for any kind of user. Whether you shop, dine, or travel, this credit card has been designed to make your life easier and more rewarding. It comes with attractive reward points systems, cashback offers, and exclusive discounts on all purchases made.
It has a sleek design and contactless payment option, making your daily transactions convenient and safe. It’s even more personalized and valuable with the option to choose the reward categories best suited to your spending habits. For those wanting to manage their finances better, the card is an easy platform for tracking expenses and redeeming rewards.
Ultimately, Credit Card is something more than it is thought of just as a payment mode, it is a lifestyle companion that lets you reap rewards, save money, and all other exclusive benefits. It stands out as the best value for money, which will be one of the finest choices for a trustworthy and rewarding credit card to complement the financial life of an individual.
Frequently Asked Questions (FAQ’s)
Ans: Yes, this card provides free access to certain airport lounges that add extra comfort and convenience to your travel experience.
Ans: Payments can also be made via the Internet or auto-debit. The mobile application of the AU Bank may also be utilized. Contactless payments are provided by this card, which entails faster and easier transactions.
Ans: Yes, the card does have an interest rate on outstanding balances, but this is competitive and lower than most other credit cards. Always try to pay your dues on time to avoid interest charges.
Ans: You can apply for the Credit Card either on the website of AU Bank or through its mobile app. When you apply, you are supposed to provide personal and financial details.
Ans: You can pay in multiple ways: online payments, auto-debits, or through the AU Bank mobile app. Contactless payments are also available, making transactions quicker and easier.